Research On State-owned Commercial Banks Performing In Public Service Function

With the continuous development of society,people’s life style and concept have changed greatly,and the management concept and management function of state-owned commercial banks are also changing.Because of the particularity of state-owned commercial banks,enterprises should not only focus on economic benefits,but also fulfill their public service functions.In fact,the public service function of state-owned commercial banks is an extension of the government’s public service function,which is directly related to the evaluation of the public.Therefore,it is necessary to study the performance of the public service function of state-owned commercial banksTaking Inner Mongolia Branch of China Construction Bank as an example,this paper analyzes the performance of public service functions of Inner Mongolia Branch of China Construction Bank,and finds that there are many problems in the performance of public service functions:insufficient investment in software and hardware,improvement in service efficiency,and maladjustment between financial service level and service object;and credit intermediary In the performance of the function,the efficiency of the transformation from savings to investment is not high,and the allocation of resource structure is not scientific;in the performance of the payment intermediary function,the scope of payment radiation is narrow,and the payment and settlement methods need to be optimized;in the performance of the public education function,the public education publicity is not solid enough,and the public education content needs to be improved;in the performance of the social responsibility function,the responsibility of the state-owned banks needs to be improved The daily refinement of social responsibility is not high.The analysis found that the causes of these problems include the deep-rooted traditional management concept,lack of awareness of financial services;imperfect financial market,small support for small and medium-sized enterprises;deposit and loan interest rates are not fully market-oriented pricing;lack of local financial services concept Finally,this paper puts forward corresponding suggestions:perfect financial service function,perfect credit intermediary function.optimize payment intermediary function,strengthen public education function,and improve social responsibility function.The suggestions put forward in this paper not only have a certain guiding significance for the development of China Construction Bank Inner Mongolia Branch,but also have a very important reference value for accelerating the public service process of China’s state-owned commercial banks,so as to better adapt to the requirements of the new normal of economic development and better meet people’s growing social and economic development requirements.